AA Caravan Insurance. Value Policy Wording

Transcription

1 AA Caravan Insurance Value Policy Wording

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3 Contents Introduction 4 Definition of Words in This Policy 6-7 Policy Cover 8-9 Settling Claims 10 General Exclusions General Conditions 13 Claims Procedure and Conditions Cancellation Complaints Procedure Financial Services Compensation Scheme 19 Governing Law 19 Language Used 19 Your Policy 19 3

4 Welcome to Your AA Caravan Insurance Value Policy This document, the Schedule, any statement of fact or proposal and any endorsements set out the terms of the contract between You and Us. Please read the policy, Schedule and any endorsements to make sure they provide the cover You require. If they are not correct, or do not meet Your needs, please return this policy document to the person who arranged this insurance for You. Your policy is designed to be amended easily and We will issue a new Schedule or endorsement each time the policy is altered. You must also tell Us if at any time the sums insured shown in the Schedule are not enough. Following a claim We can make a cash payment, carry out the necessary repairs, or replace the item. Misrepresentation In arranging Your insurance We will have asked a number of questions which You were required to answer. You must take reasonable care to ensure that You have answered all these questions honestly, to the best of Your knowledge, and have provided full answers and all relevant details. If questions are not answered honestly and to the best of Your knowledge then Your policy may be cancelled or Your claim rejected or not fully paid. You may also have difficulty in obtaining insurance in the future or experience extra cost in doing so. Our agreement In return for Your premium We will insure You during the Period of Insurance, under the terms set out in this policy document, the Schedule and any endorsement We have issued. Please keep Your policy wording in a safe place. You may need to read it if You need to make a claim or if You need help. 4

5 Changing your details You must tell Us as soon as possible about any changes that may affect Your policy cover. If We are not advised of any changes to Your circumstances, then Your policy may be cancelled, or Your claim rejected or not fully paid. The changes that You should tell Us about are: If You change Your Caravan If You change Your Storage Address or any changes in security are made to Your Storage Address; If You change Your name; If You change Your occupation(s), or the trade in which You work; If You or Your Family intend to use Your Caravan for any purpose other than for personal holiday use If You or Your Family are convicted of a criminal offence (other than motoring offences); If You or Your Family are declared bankrupt; If Your Contents sum insured changes If You make any changes to the security on Your Caravan If You have any other insurance policy refused, declined, cancelled or voided; When You tell Us about a change, We will reassess the premium and the terms of Your policy. You will be informed of any revised premium or terms and asked to agree before any change is made. In some circumstances We may not be able to continue Your policy following the changes. If this is the case, You will be notified and the policy will be cancelled in line with the cancellation rights detailed on page 16. 5

6 Definition of Words in This Policy Certain words in Your policy wording are printed in bold type and these words and expressions have been given specific meanings as follows: Caravan The structure of the touring caravan described in the Schedule together with an awning, fixed motor mover, fixtures and fittings included in the manufacturer s original specification or supplied with the touring caravan or fitted by the manufacturer at a later date. CaSSOA The Caravan Storage Site Owners Association. Contents Standard caravanning equipment and all additional items You would reasonably take with You when using Your Caravan including pedal cycles and portable motor movers. Geographical Limits United Kingdom (England, Scotland, Wales, Northern Ireland, the Isle of Man and the Channel Islands) and for any period of no more than 30 days in any one Period of Insurance - the European Union, Norway and Switzerland. Home Within the boundaries of Your permanent place of residence or Your immediate family permanent place of residence but excluding communal parking areas and any public road or highway. Immediate Family Spouse, common law spouse, mother, step-mother, father, step-father, son, step-son, daughter, step-daughter, brother, step-brother, sister, step-sister, grandmother and grandfather, aunts and uncles. In Use When You or Your Immediate Family are using or visiting Your Caravan for holiday purposes or when the Caravan is attached to a towing vehicle. 6

7 This includes a 24 hour period immediately prior to and returning from You or Your Immediate Family using or visiting Your Caravan for holiday purposes provided the Caravan is kept at Your Home during this 24 hour period. Money Cash, bank or currency notes, cheques, money and postal orders, postage stamps, savings stamps and savings certificates, premium bonds, luncheon vouchers, traveller s cheques, phone cards, season tickets, gift tokens or vouchers, documents, promotion vouchers and air-miles vouchers. Period of Insurance The period of time covered by the policy as shown in the Schedule. Permanent Residence Any Caravan not occupied by You or Your Immediate Family for holiday purposes, but occupied by You or Your Immediate Family as a main domestic residence whether temporary or permanent. Schedule The document We give You which makes the policy valid and shows Your name, details of Your address, the Caravan, the sums insured, the Caravan Storage Address and the policy number. Storage Address Your Home or an address You have given Us and which We have accepted. Unattended When the Caravan is in use and You have temporarily moved away from the Caravan. Valuables Any article made from precious metal, china, glass, porcelain, jewellery, fur, watches, video or photographic equipment, computers, binoculars, telescopes, phones, pictures, works of art, antiques, stamp, medal and coin collections, sporting equipment and portable audio equipment. We/Us/Our/Company The insurer(s) named in Your Schedule You/Your/Policyholder The person(s) named in the Schedule. 7

8 Policy Cover 1. We will cover You against loss or damage to the Caravan and its Contents caused by an insured peril. Insured perils 1. fire, explosion, lightning and earthquake; 2. theft or attempted theft. Exclusions a) Damage caused by storm or flood, accidental damage, malicious acts or vandalism. b) Theft of Contents whilst outside the Caravan. c) Theft of or loss or damage to Money, Valuables, firearms, wines, spirits and tobacco goods. d) Theft of Contents unless there is evidence of forcible or violent entry or exit to or from the Caravan. e) Theft of electronic or electrical equipment whilst left in the Caravan when it is not in use. f) Accidental damage to Contents and Valuables. g) We will not pay for loss or damage to Caravan generators or damage to the Caravan resulting from using generators. Additional extensions We will pay the extra costs of the following after loss or damage insured by this policy. a) Emergency removal If Your Caravan cannot be moved as a result of loss or damage while in use, We will pay the extra costs You reasonably have to pay to: i) remove the Caravan from the premises of a recovery company to the secure premises of Our nearest approved repairer; ii) re-deliver the Caravan to You at Your Home or Storage Address as shown in the Schedule. 8

9 b) Loss of use If You cannot stay in Your Caravan as a result of insured loss or damage while in use and You decide to continue with Your holiday, We may pay the extra costs You reasonably have to pay for: i) hotel accommodation costs (not including food and drink) up to 50 a day for up to 14 days; or ii) hire costs for a replacement Caravan up to 50 a day for up to 14 days. c) Additional contents cover When the Caravan is in use only, as long as the sum insured is enough to cover the Contents, We will cover outside furniture kept in an awning. 2. Public liability We will insure any amounts which You legally have to pay for causing accidental bodily injury, death or disease, accidental loss or damage to property arising out of You owning, possessing or using the Caravan or the Contents which happens within the Geographical Limits. We will also insure defence costs You pay or agree to pay with Our permission as well as the limit of liability for this section. We will cover Your personal representatives entitled to cover under this section for any liability You or they may have. However You and they must keep to the terms, conditions and exclusions of this section. We will also cover You or Your Immediate Family for any legal liability as owner or occupier of the Caravan to compensate others if, following an accident during the period of Insurance, someone dies, is injured, falls ill or has their property damaged. We will pay up to 2,000,000 in connection with any one incident. Excluding a) We will not cover public liability arising directly or indirectly while You are towing the Caravan. b) We will not cover loss or damage to property You own or are looking after or if it is more specifically insured elsewhere. c) We will not pay if the liability that arises from death, injury or illness of You or Your Immediate Family; loss of or damage to any property You, Your Immediate Family or Your domestic employees own or that You or they are responsible for. 9

10 Settling Claims 1. The Caravan We will either pay the cost of repairing the Caravan or, if the Caravan is lost or damaged beyond economical repair, We may settle the claim as follows: a) Market value We may pay the retail value of the Caravan at the time of the loss or damage by an insured peril less a deduction to reflect pre-accident condition. 2. The Contents We will pay the cost of repairing damaged items or: a) pay the cost of replacing lost or damaged items by items of similar quality; b) replace lost or damaged items with items of similar quality. We may take off an amount for wear, tear, and loss in value. If the sums insured on the Caravan and Contents at the time of loss or damage are less than the cost of replacement less an amount for wear, tear and loss in value, You shall be considered as being Your own insurer for the difference and shall bear a rateable share of the loss accordingly. 10

11 General Exclusions We will not pay for loss or damage: 1. To tyres by puncture, cuts, bursts or braking; 2. To generators or resulting from using generators; 3. Any legal liability or bodily injury directly or indirectly caused by or arising from: a) ionising radiation or radioactive contamination from any nuclear fuel or any nuclear waste from burning nuclear fuel; b) the radioactive, toxic, explosive or other dangerous properties of any explosive nuclear equipment or any part of it. We will not pay for loss or damage caused by: 1. Faulty workmanship, faulty design or using faulty materials; 2. Repairing, restoring, renovating, cleaning or dyeing; 3. Electrical or mechanical failure or breakdown; 4. Wear, tear or loss of value or any expense or costs that are indirectly caused by the insured peril; 5. Wet or dry rot, frost, vermin, insects, fungus or anything which happens gradually; 6. Water damage or resulting from water leaking in through windows, doors, ventilators, body joints or seals; 7. Chewing, scratching, tearing or fouling by animals; 8. Deception, unless deception is used only to gain access or entry to the Caravan; 9. Any loss or damage or liability caused by war, invasion, revolution, terrorism or any similar event; 10. Pressure waves from aircraft or other flying objects travelling at or above the speed of sound; 11. You towing Your Caravan if Your Caravan weighs in excess of 100% of the towing vehicle s kerb weight. 11

12 We will not pay for: 1. The excess amount shown in the Schedule on each and every claim, unless the loss or damage occurred whilst the Caravan was stored or permanently parked at a CaSSOA site; 2. More than 250 for any one single item insured under the Contents section; 3. The cost of replacing any undamaged item or parts of items forming part of a set, suite, carpet or of a matching colour or design if the remaining item or items can still be used and the loss or damage happens within a clearly definable area or to a special part and replacements cannot be matched; 4. Loss or damage or legal liability directly or indirectly arising from the Caravan being loaned, leased or hired to any other person other than Immediate Family; 5. Loss or damage if the Caravan is being used as a private residence; 6. Loss or damage or legal liability occurring while the Caravan is being used in connection with any trade, business or profession; 7. Loss or damage which happens before the start of this policy; 8. Loss or damage caused deliberately by You; 9. Loss or damage if You have not notified Us of any changes to the storage location or security arrangements of the Caravan. 12

13 General Conditions 1. You must keep to the terms and conditions of this policy. 2. It is a condition of this policy that whenever the Caravan is left Unattended and detached from the towing vehicle, You will make sure it cannot be moved by fitting a wheel clamp and a hitchlock. If left Unattended while attached to the towing vehicle You must fit a wheel clamp. 3. You must take all reasonable steps to prevent or reduce loss or damage to the Caravan and Contents. 4. You must maintain the Caravan in a sound, roadworthy condition and keep it in good repair. 5. You must not leave awnings up and attached to the Caravan unless it is in use. 6. We will not pay for any claim which is in any way fraudulent or exaggerated. We may also make this insurance invalid and get back any money we have paid to You or Your representative. 7. If Your Caravan is deemed beyond economical repair during the Period of Insurance of this policy, all cover will end from the date of the loss and We will take premiums You owe from any amount We pay as Your claim. 8. Under UK law You and We can choose the law that will apply to this contract. Unless You and We have agreed otherwise, this contract will be governed by English law. 13

14 Claims Procedure and Conditions How to Claim In the event of a claim, please contact AA Caravan Insurance Services on: or send an to: claimsenquiries@towergate.co.uk. When submitting a claim form You must give Your policy number. When You become aware of an event which is likely to result in a claim under this policy: 1. You must: a) Provide in writing full details of injury or loss or damage as soon as possible and in any event within: seven (7) days if caused by riot or civil commotion; or thirty (30) days if from any other cause. b) Tell the police immediately if loss or damage has been caused by theft, attempted theft or malicious acts or vandalism and help Us get back and identify the property; c) Immediately send Us every letter, claim, writ or summons without answering them; d) Supply at Your own expense, all reports, certificates, plans, specifications, quantities information and help We ask for; e) Give us all information and evidence, including written estimates and proof of ownership and value, that We ask for. You must pay any costs involved in doing this. 2. You must not: a) Leave any property for Us to deal with; b) Dispose of any damaged items until we have had the chance to inspect them; c) Repair any damaged items until We have had the chance to inspect them; d) Admit liability or promise to make a payment without Our permission. 14

15 3. We may do the following: a) Keep the insured property and deal with the salvage in a reasonable way; b) Negotiate, defend or settle (in Your name and on Your behalf) any claim made against You; c) Prosecute (in Your name for Our own benefit), any other person in respect of any amount We have paid or must pay; d) Appoint a loss adjuster to deal with the claim; e) Arrange to repair the damage to the insured property. 4. You may do the following: Carry out temporary emergency repairs to make good the Caravan following damage caused by an insured peril. This is limited to the following without prejudicing Your position: a) Necessary boarding up following damage to windows, doors, fan lights and skylights to make the Caravan secure. Our acceptance of liability for any such temporary repair will always be subject to the terms and conditions of the policy. 5. Our rights: a) We may take, or ask You to take, any action necessary to get back, from anyone else, any costs We have to pay under this policy. We may do this before or after we pay Your claim; b) We may take over the defence or settlement of a claim against You by another person. 6. Contribution - other insurances If You have any other insurance policies which cover the same loss, damage or liability as this policy, We will pay only Our share of the claim. 15

16 Cancellation 1. We may cancel the policy by writing to You at Your last known address confirming that all cover will end 14 days after the date of Our letter (or seven days after the date of Our letter if we are cancelling the policy because a premium has not been paid where You are paying by instalments. You have the right to cancel Your policy during a period of 14 days commencing the day of purchase of the contract or the day on which You receive Your policy documentation, whichever occurs the later. If You wish to do so, and the insurance cover has not yet commenced, You will be entitled to a full refund of the premium paid. Alternatively, if You wish to do so, and if the insurance cover has already commenced, You will be entitled to a refund of the premium paid, subject to a deduction for the time for which You have been covered. This will be calculated on a pro-rata basis for the period in which You have received cover. To exercise Your right to cancel Your policy, please send written notice to: AA Caravan Insurance Services Ellenborough House Wellington Street Cheltenham Glos GL50 1XZ. If You are paying by instalments, You should also instruct Your bank to cancel Your Direct Debit. If You wish to cancel Your policy after 14 days, short period rates will apply to any mid term cancellation, other than for reasons of sale of property or death of insured. 16

17 The rates are: Up to 2 months from inception or renewal: Up to 3 months from inception or renewal: Up to 4 months from inception or renewal: Up to 5 months from inception or renewal: Up to 6 months from inception or renewal: Up to 7 months from inception or renewal: Up to 8 months from inception or renewal: After 8 months from inception or renewal: 25% of annual premium 35% of annual premium 40% of annual premium 50% of annual premium 60% of annual premium 65% of annual premium 75% of annual premium 100% of annual premium. In the event of a claim no return will be given. If You do not exercise your right to cancel Your policy, it will continue in force for the term of the policy subject to the terms and conditions of the policy and You will be required to pay the premium as stated. 2. If you pay by an annual premium: We may cancel the policy by writing to You at your last known address confirming that all cover will end 14 days after the date of Our letter or You may cancel the policy by giving Us written instructions. 3. If you pay Your premium by monthly instalments: We may cancel the policy by writing to You at Your last known address confirming that all cover will end seven days after the date of Our letter (if we are cancelling the policy because a premium has not been paid); or 14 days after the date of our letter (if We are cancelling the policy for any other reason). You may cancel the policy by giving Us written instructions, You should also instruct your bank to cancel Your Direct Debit. If You or We cancel the policy, and You have not made a claim during the current period of insurance, We will refund the premium for any remaining period of cover. You may cancel this policy by sending written notice to AA Caravan Insurance Services. 17

18 Complaints Procedure If you need to complain AA Caravan Insurance Services aim to provide You with a high level of service at all times. However, there may be a time when You feel that Our service has fallen below the standard You expect. If this is the case and You want to complain, We will do Our best to try and resolve the situation. a) There are several ways you can contact us: Phone: Post: The Managing Director AA Caravan Insurance Services Ellenborough House Wellington Street Cheltenham GL50 1XZ We will either acknowledge Your complaint within 5 working days of receipt, or offer You Our final response if We have concluded Our investigations within this period. If We acknowledge Your complaint, We will advise You who is dealing with it and when We expect to respond. We aim to respond fully within 8 weeks. However, if We are unable to provide a final response within this period We will write to You before this time and advise why We have not been able to offer a final response and how long We expect Our investigations to take. If You remain unhappy with Our final response, or We have not managed to provide a final response within 8 weeks of Your complaint, You may be entitled to refer Your complaint to the Financial Ombudsman Service for help and advice. b) There are several ways you can contact them: Phone: or Web: complaint.info@financial-ombudsman.org.uk 18

19 Post: The Financial Ombudsman Service Exchange Tower London E14 9SR The Financial Services Compensation Scheme (FSCS) Your insurer is covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if Your insurer cannot meet their obligations. This depends on the type of business and the circumstances of the claim. For Insurance, You are covered for 90% of the claim without any upper limit. Further information about compensation scheme arrangements is available at or telephone or Governing Law In respect of policies issued in England and Wales, these Terms and Conditions of Trading will be governed by, and construed in accordance with, the Laws of England and Wales and the parties submit to the exclusive jurisdiction of the courts of England and Wales. In respect of policies issued in Scotland, these Terms and Conditions of Trading will be governed by, and construed in accordance with the Laws of Scotland and the parties submit to the exclusive jurisdiction of the courts of Scotland. Language Used The English language will be used for all communications, the contractual terms and conditions, and any information, We are required to supply to You, before and during the duration of the contract. Your Policy Should You mislay Your policy booklet a replacement will be issued upon request. As and when We feel it is appropriate We may review Your policy and look to enhance and/or extend the cover offered. 19

20 Call to find out more about: Insurance Car Insurance Motorcycle Insurance Van Insurance Classic Car Insurance Home Insurance Home Membership Travel Insurance Life Insurance Pet Insurance Holiday Homes Insurance Personal Injury Claims Overseas Car Insurance Business Insurance Breakdown Breakdown Cover European Breakdown Cover Financial Services Personal Loans Credit Cards Savings Travel Currency Cards Other Services Driving School Maps, Guides and Atlases Call or visit theaa.com AA Caravan Insurance Services is a brand style of the Automobile Association used under license by Towergate Underwriting Group Limited which arrange and administer the insurance. Towergate Underwriting Group Limited is authorised and regulated by the Financial Conduct Authority, Financial Services Register number Registered Address: Towergate Underwriting Ltd, Towergate House, Eclipse Park, Sittingbourne Road, Maidstone, Kent, ME14 3EN. Registered in England No: AAVA PW v2 08/16 - BR